Balance Transfer Rate
Max Free Days
- Free supplementary cards
Number free supplementary
Interest Free Days
Interest Free Days
Maximum credit limit
No set max
Late Payment Fee
Minimum credit limit
Over limit fee
Minimum repayment dollars
Duplicate statement fee
Minimum repayment percent
Supplementary card annual fee
Cash advance rate
Cash advance fee
Balance Transfer Rate
Balance Transfer Rate
No set max
Balance Transfer Fee
Foreign Exchange Fee
1.5% on Visa
Estimated ATM Cost
for AU $300 withdrawal
|1 point for $1 spent||Visa||Up to $10k monthly||eligible transactions|
- FREE SUPPLEMENTARY CARDS Must be 16 years or over.
Compare and review credit cards with similar features
Bendigo Bank Low Rate Mastercard
for 12 months then $45
Balance Transfer0% on Balance Transfers for 6 months. $0 annual fee in Year 1 then reverts to $45. Get a $150 Woolworths Supermarket Gift Card when you spend $1k in 60 days.
Queensland Country Credit Union is owned by its customers and offers an alternative to the big banks.
It first began in 1971 as the Isa Mine Employees’ Credit Union, but has expanded to now offer banking and lending services to all Queenslanders. It has 29 branches and two agencies throughout the state.
Members get free access to almost 20,000 ATMs, from Westpac and its affiliated brands, across Australia.
Queensland Country Credit Union has assets worth more than $1.7 billion.
The Queensland Country Credit Union Visa credit card offers a moderate interest rate on purchases, with a moderate number of interest-free days for a moderately low annual fee.
As a cardholder, you could take part in the Great Rewarder program. For an annual fee to join, you could earn points on eligible transactions that are paid back to you as cash.
The Queensland Country Credit Union Visa comes in a variety of designs. The design can be different for each cardholder on the account.
Additional cardholders can be included at no extra cost.
You could transfer an existing credit card balance across to this Visa card. The moderate interest rate that applies to balance transfers is the same for cash advances.
This credit card enjoys the fraud and security protections of Visa’s Zero Liability Policy and
Verified by Visa. Contactless transactions less than $100 are supported by Visa payWave.
- Additional cardholder free
- Choice of card design
- Optional rewards program
- Fee for rewards program
- Overlimit fee
- No 0% balance transfers
Who is it good for?
If you’re an existing member of the Queensland Country Credit Union, you might find it convenient to link this Visa to an existing account.
As a non-member, you might find the one moderate interest rate for all transactions appealing.
The Great Rewarder program lets you earn points on eligible transactions. These points are converted to cash available for use within Australia.
You could use your points to pay for, or use them as part payment for, goods or services anywhere that accepts EFTPOS.
It’s not a program such as flybuys or Qantas Points, where points can be transferred or redeemed via an online catalogue.
Other benefits of this credit card include exclusive offers and pre-sale tickets through Visa Entertainment.
The Queensland Country Credit Union Visa card doesn’t offer 0 per cent balance transfers, which is something to consider if you want to transfer an existing credit card balance across.
What RateCity says
The Queensland Country Credit Union Visa credit card is a good allrounder. It offers cardholders one moderate interest rate on transactions, for a moderately low annual fee.
It provides an optional rewards program for an additional moderately low fee. Points earned via this program can be redeemed as cash loaded onto an EFTPOS card for spending. The points are capped per month.
The Visa card comes in a range of designs for those wanting something a little bit different. And additional cardholders can be included on the account at no extra cost.
There’s no concierge service or complimentary insurances that some Visa cards offer. So this credit card might be useful just for day-to-day payments and purchases.
Being a Visa card, it comes with all the protections and security features associated with the Visa brand, such as Visa Zero Liability, Visa Checkout and Verified by Visa.
To be eligible for the Queensland Country Credit Union Visa credit card, you must be at least 18 years of age. You must also be an Australian citizen or permanent resident of Australia and in paid employment. Applicants who have been bankrupt are ineligible. You can apply online, over the phone or in a branch. To complete the application, you'll need details of your income, assets and liabilities. Acceptable forms of identification include a driver's licence, passport or Medicare card.
About Queensland Country Credit Union
Queensland Country Credit Union is an independent, customer-owned organisation. It was founded in 1971 as the Isa Mine Employees' Credit Union Limited. In 2017, Queensland Country Credit Union merged with ECU. The expanded credit union now has 29 branches across Queensland. Its head office is located in Townsville, Queensland. The Queensland Country Credit Union also owns the Queensland Country Health Fund. Its products include credit cards, home loans, bank accounts, savings accounts, personal loans, car loans and insurance.
Property Personal Finance Writer
A property and personal finance writer, Nick Bendel covers property, loans, credit cards, superannuation, and other bank products. Nick has previously written for The Adviser, Mortgage Business, Lifehacker, Business Insider, Yahoo Finance, and InvestorDaily, and loves getting elbow-deep in the latest ABS, APRA and RBA data.
If you have a bad credit score, you might encounter two main problems. First, the lower your credit score, the more likely you are to be rejected when you apply for a loan or any other credit product. Second, if your application is accepted, the less likely you are to qualify for the lowest interest rates.
The reason Equifax, Experian and Illion use different scores is because they are independent companies with their own different methodologies. As a result, a score of, say, 700 would mean different things at different credit reporting bureaus.
However, the one thing they have in common is that they divide their scores into five tiers. So if you receive a tier-two credit score from one bureau, you will probably receive a tier-two score from the others, as well.
Yes, as credit card providers look at your annual income amount as well as your occupation. Minimum income requirements tend to be between $30,000 – $40,000 for standard and rewards credit cards, however low income credit cards can have minimum income requirements as low as $15,000 per year.
There are two reasons you should check your credit rating: so you have a better understanding of your financial position, and so you can take action (if necessary) to improve your credit rating.
Lenders use credit ratings or credit scores to assess loan applications. The higher your score, the more likely you are to get approved, and the more likely you are to be charged lower interest rates and lower fees. Conversely, the lower your credit score, the less likely you are to get approved, and the more likely you are to be charged higher interest rates and higher fees.
Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.
A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card.
For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.
Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.
Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.
Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.
There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice.
Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward.
Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.
Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.
Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.
Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.
Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.
If you’re wondering about how to make a credit card online application, here are some steps to follow:
- Test the market. Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
- Complete the application. Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
- Provide details. Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
- Review details. Ensure the information you’ve entered is correct.